Real Time Payments Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive.   We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One.   As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.   We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation. We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do.

Under limited supervision, the Real Time Payments Analyst supports U.S. Bank’s 24x7x365 Immediate Payments operating environment. This role is responsible for monitoring, researching, reconciling, documenting, and escalating activity related to Real-Time Payments (RTP) and FedNow, primarily during weekends, holidays, and other non-standard business hours. The analyst ensures timely and accurate payment processing while supporting operational risk management and service continuity across business-critical payment platforms.

Monitors Immediate Payments systems, queues, alerts, dashboards, and transaction activity to verify expected processing and identify issues. Performs scheduled system checks, including transaction status reviews, exception monitoring, network validation, and operational readiness checks. Investigates and triages operational exceptions, payment delays or failures, and system alerts. Escalates issues to appropriate stakeholders (technology, operations, product, risk, compliance, vendors, and networks) in line with established procedures. Supports production validation activities, including maintenance windows, system releases, upgrades, and resiliency events. Researches and resolves payment exceptions such as rejected, pending, incomplete, or duplicate transactions. Performs reconciliation and balancing activities, including general ledger review, offset validation, and settlement verification. Responds to operational inquiries via shared mailboxes, case systems, and escalation channels. Maintains accurate documentation of system activity, incidents, and resolutions to support audit and compliance requirements. Identifies recurring issues and process gaps, recommending improvements to enhance reliability, customer experience, and risk management.

Bachelor’s degree, or equivalent work experience Five to eight years of experience in payment operations, financial services, or a related business function Strong knowledge of payment processing, reconciliation, exception handling, and operational controls Familiarity with Immediate Payments frameworks, including RTP and FedNow environments Ability to work independently during weekends, holidays, and non-standard hours Strong analytical, problem-solving, and organizational skills Effective written and verbal communication skills Preferred Skills Experience with real-time payment operations and settlement processes Understanding of